Over a century later, Mr. Micawber’s advice still holds good. Don’t “Fly now, pay later”, do the reverse. Don’t listen to the kids. Do they know better than you?

I do feel for all the single mums out there, it must be really difficult if you don’t have a partner to help with things, so that at least one of them has spare time to learn about how to protect themselves from all the incredible stupidity and greed evident in the world today, that eventually hurts all of us, while the guys at the top seem to have charmed lives. It seems to me that, if you allow leaders to experiment with people’s hard-earned, without real penalties if they muck up badly, then of course, why should they worry. Lost bonus? Maybe, but if your pay package is just bumped up to compensate, one can relax, yes? All I can say is, I’m really glad I climbed out of banking before I could be lumped in with the current lot.

Here’s a little tip for now:

No matter what the advertising says, remember that the prime objective of any organisation is to make money for the shareholders.

I’m not attacking the principle, it’s a valid rule, and it lets one remember that the organisation can easily go down the tubes if someone tries to run it as a charity.

What I do have a button about is when people start going overboard. I have a little motto that I use as one of my own guidelines, and I believe that a lot of people at the top ought use it as well:

From the Greek, “Pan Metron Ariston”, if I recall correctly. It means, “moderation in all things”. Works with cooking recipes, works with businesses too. So, if you come across some outfit that isn’t doing that, watch out, it could be heading for problems, either for them or for you…

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